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Best Credit Card Welcome Offers Promotion in Hong Kong

Find the best deals from credit cards with amazing welcome gifts in Hong Kong. Enjoy all kinds of credit card offers, from travel, dining to shopping! Read More
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渣打銀行 logo
MoneySmart Exclusive
Unlimited cashback

Standard Chartered Simply Cash Visa Card

Min. Annual Salary
HK$96,000
Miles Conversion (local spend)
N/A
Cash back on local spend
1.5%
Limited Time Offer! Successfully apply for a designated Standard Chartered credit card to get HK$1,300 Apple Gift Card or HK$1,300 Welcome Supermarket Voucher or Sony WF-1000XM3 Noise Cancelling Earbuds(HK$1,890) (from MoneySmart) and extra HK$500 CashBack (from SCB)!
Valid until 24 Jan 2021 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
$3 = 1 Mile
Cash back on local spend
2%
Extra HK$500 voucher apply via MoneySmart!
Valid until 28 Feb 2021 - See more details below
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安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from Octopus AAVS

EarnMORE UnionPay Card

Min. Annual Salary
HK$0
Cash back on online spending
0.4%
Miles Conversion (online shopping)
HK$3/mile
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate or DYSON V7 Fluffy+ Wireless Vacuum Cleaner or TEFAL Healthy Air Fryer or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. 
Valid until 28 Feb 2021 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary
HK$240,000
Miles Conversion (local spend)
N/A
Cash back on local spend
2%
Extra HK$500 voucher apply via MoneySmart!
Valid until 28 Feb 2021 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Unlimited 1.2% Cashback

Blue Cash® Credit Card from American Express

Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
N/A
Cash back on local spend
1.2%
HK$200  Supermarket Voucher+ HK$200 Cashback upon Card Approval , A total of welcome offer up to HK$1,472
Valid until 31 Jan 2021 - See more details below
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渣打銀行 logo
MoneySmart Exclusive
As low as HK$0.2=1 Asia Miles for welcome offer

Standard Chartered Asia Miles Mastercard

Min. Annual Salary
HK$96,000
Miles Conversion (local spend)
HK$4 = 1 Mile
Cash back on local spend
N/A
Limited Time Offer! Successfully apply for a  designated Standard Chartered credit card to get HK$1,300 Apple Gift Card or HK$1,300 Wellcome Supermarket Voucher or Sony WF-1000XM3 Noise Cancelling Earbuds (HK$1,890) (from MoneySmart) and  5,000miles(from SCB)
Valid until 24 Jan 2021 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Min. Annual Salary
HK$240,000
Miles Conversion (local spend)
0.8%
Cash back on local spend
$8 = 1 Mile
Extra HK$300 voucher apply via MoneySmart!
Valid until 28 Feb 2021 - See more details below
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HSB 恒生銀行 logo

Hang Seng enJoy Card

Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
N/A
Cash back on local spend
1％
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中信銀行(國際) logo
MoneySmart Exclusive
Up to 5% Cash Rebate on Online Spending

CNCBI Motion Credit Card

Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
N/A
Cash back on local spend
2%
Successfully applied through MoneySmart: Extra HK$200 supermarket cash coupon！
Valid until 31 Mar 2021 - See more details below
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DBS 星展銀行 logo
Welcome Offer
Redeem various mileage points without any fee

DBS Black World Mastercard

Min. Annual Salary
HK$240,000
Miles Conversion (local spend)
$6 = 1 Mile
Cash back on local spend
0.8%
Welcome Offer:
Get up to 50,000 miles or Rollink Flex 21 Foldable Suitcase + 2,000miles
Customer must choose to participate in the DBS$ Redemption Scheme and conduct retail and/ or overseas spending ("Eligible Spending") according to the designated condition ("Spending Condition"):
Valid until 31 Jan 2021 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary
HK$300,000
Miles Conversion (local spend)
$5 = 1 Mile
Cash back on local spend
1％
HK$800 Supermarket coupon upon Card Approval and welcome offers valued up to HK$2,960
Valid until 31 Jan 2021 - See more details below
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中信銀行(國際) logo
MoneySmart Exclusive
Handling Fee Waiver for Overseas Spending

CNCBI GBA Dual Currency Credit Card

Min. Annual Salary
150000
Cash Back on RMB Spending(in first 6 months)
4%
Basic Cash Back
0.55%
Successfully applied through MoneySmart: Extra HK$200 supermarket cash coupon！
Valid until 31 Mar 2021 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Enhanced Welcome Offer

The Platinum Card

Local Resident
HK$1,000,000
Miles Conversion (local spend)
$7.5 = 1 Mile
Cash back on local spend
N/A
【Enhanced welcome offer】HK$1,000 Sogo Cash coupon upon Card Approval and Enhanced welcome offer up to 600,000 Membership Rewards points
Valid until 31 Jan 2021 - See more details below
Apply Now
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DBS 星展銀行 logo
Welcome Offer
8% discount at Watsons and ParknShop

DBS COMPASS VISA

Min. Annual Salary
HK$100,000
Miles Conversion (local spend)
N/A
Cash back on local spend
3％
Welcome Offer:
 Get up to HK$400 “InstaRedeem” Amount or LE MAURICE® CUBIX 28” ALUMINUM FRAME SUITCASE or Dyson Airwrap Hair Styler at a discounted price or 6 MCL movie ticket vouchers
Valid until 31 Jan 2021 - See more details below
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中信銀行(國際) logo
MoneySmart Exclusive

CNCBI VISA Platinum Card

Min. Annual Salary
150000
Basic Cash Back
0.55%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$200 supermarket cash coupon！
Valid until 31 Mar 2021 - See more details below
Apply Now
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安信信貸 logo
MoneySmart Exclusive
3 Complimentary airport lounges access per year

EarnMORE UnionPay Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary
HK$0
Cash back on local spend
2%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate or DYSON V7 Fluffy+ Wireless Vacuum Cleaner or TEFAL Healthy Air Fryer or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. 
Valid until 28 Feb 2021 - See more details below
Apply Now
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HSB 恒生銀行 logo
Get 5% cash dollars rebate on designated spending

Hang Seng MPOWER CARD

Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
N/A
Cash back on local spend
5%
Apply Now
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AEON信貸財務(亞洲) logo
Apply online to enjoy extra HK$100 welcome rebate

AEON UnionPay Credit Card

Min. Annual Salary
HK$0
Miles Conversion (local spend)
N/A
Cash back on local spend
N/A
Apply Now
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安信信貸 logo
MoneySmart Exclusive
Get 4% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary
HK$0
Cash back on local spend
4%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Valid until 28 Feb 2021 - See more details below
Apply Now
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AE 美國運通 logo
Up to 25% discount at I.T

American Express I.T Cashback Card

Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
N/A
Cash back on local spend
1.2%
Read More
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Credit Card Promotions in Hong Kong 2021

Credit CardWelcome OffersAnnual Salary Requirement
Citi PremierMiles CardEarn 108,000 points (equals to 9,000 miles) / Afternoon tea set for two persons at Mandarin Oriental, Hong Kong/ HK$800 Wellcome Coupons/ HK$700 Sogo Gift CertificateHK$360,000
Standard Chartered Simply Cash Visa CardUp to HK$1,100 Cash RebateHK$96,000
Earnmore UnionPay CardHK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment ProgramHK$0
Standard Chartered Asia Miles MastercardUp to 40,000 welcome offer Asia Miles （as low as HK$0.2 = 1 mile）and extra HK$100 Cashback for new sign up for Online Banking HK$96,000
DBS Black World Mastercard Up to 50,000 miles or Rollink Flex 21 Foldable Suitcase + 2,000milesHK$240,000
American Express Cathay Pacific Elite Credit CardUp to 76,000 welcome offer Asia MilesHK$300,000
Hang Seng MPOWER CardUp to 8 movie tickets or up to $700 Cash DollarsHK$150,000
Citi Cash Back CardAfternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift CertificateHK$240,000

Which Credit Card has the best welcome offers?

Each credit card offers a special welcome promotion to new customers, whether it’s cash back, air miles or popular gifts like luggage, electronic devices and more, you can easily compare and find the best welcome offers with comparison in MoneySmart.

Types of credit card Welcome rewards

Cashback, air miles, coupons and gifts are the most common welcome offers, compare and select your favourite rewards before applying for a new credit card:

Cashback

Cashback credit cards offer a certain percentage of the spending amount back as rewards. Cardholders can earn extra cash rebates as welcome offers upon successful application and designated spending in the first few months.

Air Miles

Credit cards often provide a tremendous air miles welcome offer to travel lovers. Cardholders can get thousands of air miles, including Asia Miles and Avios, upon designated spending and redeem air tickets for free.

Gifts/Vouchers

Some credit cards provide welcome gifts or supermarket vouchers instead of cashback and airmiles, popular choice of welcome gifts include electronic devices and luggages.

How to get welcome promotions from credit cards?

Most credit cards require cardholders to spend a designated amount to earn the welcome offers of your choice, take Citi Cash Back Card as an example, cardholders can earn up to HK$800 Wellcome Cash Coupon upon accumulating spending of HK$10,000 or above within the first 2 months.

Some credit cards have no minimum spending requirement, where cardholders can earn welcome offers with a special rate for eligible transactions within the first few months of card issuance, like Standard Chartered Asia Miles Credit Card, cardholders can earn Asia Miles with conversion rate as low as HK$0.2 = 1 Asia Mile.

Best Credit Card Welcome Offer Promotions in Hong Kong

HSBC Credit Card

From now until 31 October 2020, successfully apply for HSBC credit cards through website or internet banking, cardholders can enjoy $700 RewardCash as a welcome gift for new customers or $200 RewardCash for existing customers upon fulfilling designated spending amount.

Citibank Credit Card

From now until 31 July, successfully apply for Citi PremierMiles Card to enjoy up to 9,000 Miles (108,000 Points), Afternoon tea set for two persons at Mandarin Oriental, HK$800 Wellcome Cash Coupon or HK$700 Sogo Gift Certificate. For successful applicants of Citi Prestige Card, get 20,000 miles upon paying the first year annual fee.

DBS Credit Card

Earn up to 50,000 miles or Rollink Flex Suitcase + 2,000 miles for successful application of DBS Black World Mastercard. DBS COMPASS VISA applicants can enjoy up to HK$400 InstaRedeem amount, LE MAURICE Suitcase or 6 MCL movie ticket vouchers.

Standard Chartered Credit Card

Get up to 40,000 welcome Asia Miles for Standard Chartered Asia Miles Mastercard applications, and up to HK$1,100 cash rebate as a welcome offer for new Standard Chartered Simply Cash Visa Card new cardholders.

American Express Credit Card

American Express Cathay Pacific Elite Credit Card applicants can earn welcome offers up to 76,000 Asia Miles. For successful applicants of American Express Platinum Credit Card, enjoy welcome offers worth up to HK$2,960.

Hang Seng Credit Card

New credit card customers who successfully apply for a Hang Seng MPOWER Card can get up to 8 movie tickets from MCL Cinemas or up to $700 Cash Dollars as a welcome offer.

Wewa Credit Card & EarnMore Unionpay Credit Card Offers

Apply for Wewa UnionPay Credit Card for Jabra Elite Active 65t Wireless Headphones, USA meresoy Massage Gun, HK$500 Cash Rebate or Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome gift.

Besides, upon successful application for EarnMore Credit Card on or before 31 Dec, the new customer can enjoy yHK$670 cash rebate, OTO Back Snuggle, Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program as a welcome gift.

Best Credit Card Promotions Hong Kong

HSBC Credit Card Promotions

Travel promotion

  • Up to 10% Cash rebate on designated hotel bookings at Booking.com
  • Up to 60% off designated staycation packages on KKday designated website with discount codes
  • Enjoy a 30% discount on cross border limousine service

    • Dining Promotion

  • 10% off buffet at designated hotels including Royal Park Hotel, Regal Hongkong Hotel and more

    • Citibank Credit Card Promotion

    Travel promotion

  • Up to 12% off on designated hotel bookings at Expedia
  • Up to 10% cashback on Booking.com
  • 10% off selected Delsey products

    • Dining promotion

  • Complimentary drink upgrade at McCafe
  • 15% off on food and beverages at selected hotel including Conrad Hong Kong, Crowne Plaza and more

    • DBS Credit Card Promotion

    Travel promotion

  • 5% off on travel products at KLOOK
  • Up to 12% off hotel booking at Agoda
  • 5% off any inflight purchases & designated seat selection at HK Express

    • Shopping promotion

  • Up to 3% rebate at Taobao and Tmall
  • Up to 20% at ZALORA

    • Frequently Asked Questions

    Can I get my credit card welcome offer right after my application?

    It depends. After applying for credit cards, you need to fulfill the spending requirements to get welcome offers. Take HSBC Red Card as an example, you’ll need to spend $6,000+ in the first 60 days of card issuance, and use RewardCash to pay for credit card statement or transaction via the “Pay with RC” function in Reward+ to get $1,000 RewardCash welcome offer. Credit cards set limits to not only spending amounts but also spending categories. For example, HSBC credit cards don’t count online bill payments and e-wallet transactions as eligible spending. Make sure you’ve read the Terms and Conditions before swiping your credit cards! But there are some credit cards that give you welcome gifts once your application is approved. Standard Chartered Simply Cash Visa Card gives you 25% cashback for local spending in the first 2 months and up to $1,000 cashback without spending requirements.

    Are welcome offers for new customers only?

    Generally, yes. Most of the credit cards only prepare welcome offers for new customers, which means that you haven’t held or cancelled credit cards of your designated bank in the past 6-12 months. But some credit cards still give welcome offers to existing customers, but the value of the offer is lower than the new customers. HSBC Visa Signature Card is a good example: they offer up to $800 welcome gifts to new customers, but $400 welcome gifts for existing customers.

    Is there anything I need to know while applying for welcome offer credit cards?

    After getting your welcome offer, most of the banks reserve the right to charge you a handling fee and take back your welcome offer without any notice if you cancel their credit cards in 12 months of card issuance.

    When will I receive my welcome offer?

    If you fulfil the spending requirement, like BOC credit cards, they’ll credit the welcome offer directly to your credit card account in 4 to 6 weeks. But make sure your account is working, valid and under a good credit. For other banks, they have their own policies so it’s better for you to check the Terms and Conditions.

    Do I need to consider anything else apart from welcome offers?

    Yes! Welcome offers are attractive, but it’s still a one-time reward. The basic rebate rate after the introductory period should be one of your considerations. Besides that, you should find out your spending pattern. Say, dining is your main expenses, then you should pick a credit card with the most dining offers. Plus, get to know why you’re applying for a credit card, then pinpoint your expenses to get the most offers like cash back and air miles.

    Can I cancel my credit card after receiving the welcome offers?

    It varies from card to card. In general, if a cardholder cancels the card in less than 12 months from the date the card is issued, a fee which is equivalent to the value of the welcome offers/ administration fee will be charged.